3978 Ruth Ln, Cincinnati, OH 45211 Property Records

Hamilton County property record for 3978 Ruth Ln, Cincinnati, OH 45211

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 960 sqft · built 1938
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Individual Names on File
Last Sale	$116,500 (Oct 2004)
Tax Bill	$2,500 (2025)
Deeds & Mortgages	Feb 2024 Line of Credit Jun 2020 Loan Modification + 1 more
Flood Zone	Zone X (minimal risk)
APN	`551-0001-0353-00`

Property Details

APN / Parcel Number

Primary APN	`551-0001-0353-00`
Alternative APN	`0010578`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	960 sqft Living Area
Gross Area	2,880 sqft
1st Floor Area	960 sqft
Attic	Attic
Attic Area	960 sqft
Basement Area	960 sqft

Exterior

Year Built	Built 1938
Effective Year Built	Effective 1938
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Brick
Roof Material	Asphalt
Lot Area	8,712 sqft (0.2 acres)
Lot Dimensions	122 ft deep x 27 ft wide
Garage Type	Basement
Garage Area	1 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	91 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Baseboard
Heating Fuel	Oil

Location & Zoning

Street Address	3978 RUTH LN
City	CINCINNATI
State	OH
Zip	45211-3307
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RUTH LANE 27 X 122.27 IRRLOT 15 PHILIP RUEBELS SUB
Legal Subdivision	PHILIP RUEBELS SUB
Legal Lot Number	15
Jurisdiction	HAMILTON OH
Township / Civil Division	CHEVIOT
Census Block Group	1
Census Block	1008
Census Tract	20901

Owner

3978 Ruth Ln is owned and occupied by two individuals who bought it in October 2004.

Source: Hamilton County records, as of June 3, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3978 RUTH LN, CINCINNATI, OH 45211-3307
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Feb 1, 2024	Deed of Trust, Mortgage · Line of Credit THIRD FSLA OF CLEVELAND
Jun 3, 2020	Loan Modification, Mortgage OTHER INSTITUTIONAL LENDERS
Jul 11, 2018	Loan Modification, Mortgage MR COOPER

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 18, 2004 · Amount on File
Deed Sale	Oct 18, 2004 · Amount on File
Prior Sale	Nov 7, 2001 · Amount on File
Deed Document Number	2004219367
Deed Book / Page	9757 / 2708
Record Updated	Oct 29, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	3978 RUTH LN, CINCINNATI, OH 45211-3307
Transaction Type	Mortgage
Record Updated	Mar 27, 2024
Title Company	THIRD CAPITAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000007172
Date	Feb 1, 2024
Book Page	15094/1163
Instrument	2024-0007172

Lender

Name	THIRD FSLA OF CLEVELAND
Type	Bank
Address	7007 BROADWAY AVE, CLEVELAND, OH 44105

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	251 Months
Due	Jan 26, 2045

June 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	HAMILTON OH
Property Address	3978 RUTH LN, CINCINNATI, OH 45211-3307
Document Number	0000073987
Instrument Date	Jun 3, 2020
Transaction Type	Mortgage
Record Updated	Sep 3, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3978 RUTH LN CINCINNATI OH 452113307, CINCINNATI, OH 45211-3307

Mortgage

Document Number	0000073987
Date	Jul 29, 2020
Book Page	014220/000335
Instrument	73987

Lender

Name	OTHER INSTITUTIONAL LENDERS
Type	Bank

Agreement

Amount	Amount on Record
Term	480 Months
Due	Jul 28, 2060

Interest

Rate Type	Fixed Rate
Rate	3.62%

July 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	HAMILTON OH
Property Address	3978 RUTH LN, CINCINNATI, OH 45211-3307
Document Number	0000073387
Instrument Date	Jul 11, 2018
Transaction Type	Mortgage
Record Updated	Oct 8, 2018
Title Company	CORELOGIC-SOLUTIONS EXPRESS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3978 RUTH LN CINCINNATI OH 452113307, CINCINNATI, OH 45211-3307

Mortgage

Document Number	0000073387
Date	Aug 20, 2018
Book Page	013735/001931
Instrument	73387

Lender

Name	MR COOPER
Address	DALLAS, TX 75019

Agreement

Amount	Amount on Record
Term	480 Months
Due	Aug 19, 2058

Interest

Rate	4.37%

Tax Assessment & Valuation

The 2025 property tax bill for 3978 Ruth Ln was $2,500, up 2.9% from the year before.

Source: Hamilton County assessment roll, as of January 21, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Hamilton County
Municipality	Cheviot City
Unified School District	Cincinnati City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,500.00 (+2.92%)	$40,142 (-) Land $8,190 Building $31,952	$114,690 Land $23,400 Building $91,290
2024	$2,429.00 (-2.06%)	$40,142 (-) Land $8,190 Building $31,952
2023	$2,480.00 (+22.89%)	$40,142 (+42.03%) Land $8,190 Building $31,952	$114,690 Land $23,400 Building $91,290
2022	$2,018.00 Homeowner's exemption	$28,263 Land $5,537 Building $22,726
2020			$80,750 Land $15,820 Building $64,930

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 3978 Ruth Ln in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective December 22, 2024

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 3978 Ruth Ln has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CINCINNATI PUBLIC WATER SYSTEM serves 800,000 people · EPA ID OH3102612
Water Source	Surface water
Last State Inspection	Dec 2024
Lead	2 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 711 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
altafiber Network Solutions Fiber	3,000 / 3,000
Spectrum Cable	1,000 / 1,000

May also be available: T-Mobile, Verizon.

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